Direct Digital Holdings, Inc.

Rule 10b5-1 Trading Plans

During the six months ended June 30, 2025, no director or officer of the Company adopted orterminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.

Sixth Amendment to Credit Agreement

On August 5, 2025, the Company and EWB entered into that certain Sixth Amendment (the “Sixth EWB Amendment”) to the Credit Agreement, dated as of August 5, 2025 but effective as of July 31, 2025, which extended the maturity date of the Credit Agreement from July 31, 2025 to August 31, 2025 and extended the repayment date of any outstanding loans and advances thereunder, including any principal, interest or fees with respect thereto, from July 31, 2025 to August 31, 2025. In connection with the extension of the maturity date, the Company agreed to make a principal payment in an amount equal to $200,000 to reduce the outstanding loan balance by August 15, 2025.

The foregoing description of the Sixth EWB Amendment is not complete and is qualified in its entirety by the full text of the Sixth EWB Amendment, a copy of which is filed herewith as Exhibit 10.3 and incorporated herein by reference.